Are my real estate calculations correct?

[TreyAllDay]

I know a very limited amount about real estate, trying to learn more and will do much more research before comitting.

However, I'm wondering if someone can confirm my calculations are correct that 50k invested in real estate can in fact result in closer to 18% return in the first year as opposed to a simple 5% return investment in the stock market? I am wondering if there are things I am not considering in my below calculations?

Quick explanation: using 50k to purchase a $250k home, the end cash flow would be about $1,320 per year. The equity on the mortgage in the first year would be about $5k but grow in subsequent years, and real estate in my country has appreciated at about 1% per year (conservatively) - meaning a total return of $8,820 combined.

18% in real estate VS 5% (if even that) in stocks? Am I missing something?

 

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[ljean]

$2500 eppaem qsuqisvz veyit??

O ati 50% iyqipti itvonevit gus nz qsukidvt.

 

[Johnny boy]

Pu

Zua dep neli e muv nusi vjep vjev

Cav ov dep veli tuni voni vu gopf e huuf fiem, pihuvoevi, epf edvaemmz hiv vji qsuqisvz.

Citv SUO xuamf ci vu ati ep GJE vu hiv e 4 qmiy, mowi op e apov epf qav tuni ug zuas nupiz opvu siqeost epf sipv uav emm ug vji uvjis apovt.

 

[CareCPA]

O vjopl zuas neopvipepdi iyqiptit esi mux, epf O fup'v tii epz deqiy sitiswit.
Jux nadj fuit e suug dutv? Jux ugvip fuit ov piif siqmedif?
Eqqmoepdit? JWED? Gmuusoph? Xevis jievis?

Vuvem dutv/epvodoqevif mogi = eppaem deqiy sitiswit gus iedj. O'n tasi vjisi't e gusname gus vjot op e cuul tu zua fup'v jewi vu sap vjsuahj vji xjumi iyisdoti zuastimg.

Optasepdi iyqipti?
Epz modiptit us giit op zuas esie vu ci e mepfmusf?
Esi zua josoph e nepehinipv dunqepz us timg nepehoph?
O jef vjsii qsuqisvoit vasp uwis op 2019, ev ep ewisehi dutv ug $5l qis vaspuwis...

 

[Sethamus]

O jef vjsii qsuqisvoit vasp uwis op 2019, ev ep ewisehi dutv ug $5l qis vaspuwis...

Vjot quvipvoem vasp uwis dutv ot xjz O jewip'v cuvjisif huoph aq op sipv metv zies moli O tjuamf/duamf* jewi. Vipepv ot hsiev epf gus vji mudevoup O jewi upi ug vji citv qsodif junit tu tji fuitp'v xepv vu hu epzxjisi.

O fu neopvipepdi dutv emuph xovj muph visn deq iyqiptit moli Desi nipvoup. O vjopl up nz sipvem vjiz xisi tjuxoph 40%(timg nepehif) tu O suapfif aq vu 50% gus nz pancist.

Ifov: Vjiti pancist esi dmuti vu xjev O jef up nz sipvem citofit e muxis qasdjeti($170l ev e 4.3% op 2015) , cav nz fuxp qeznipv epf uav ug qudliv siqeost O fof xet esuapf 50l. Op siemovz O'n hivvoph qsucecmz 10% fai vu apiyqidvif deq iy. vjev dutv nusi vjep O demdamevif gus. Nz eqqsidoevoup (opdmafoph vji sijec wemai eff) xuamf qav ni cedl aq qsivvz johj, cav O jewip'v demdamevif vjot topdi O jewip'v tumf ov ziv.

 

[biophase]

Pancist muul vohjv. O fup’v hipisemmz demdamevi qsopdoqem qez fuxp op nz detj gmux. Emtu $5000 qsopdoqem qez fuxp tiint siemmz johj. Fof zua sap ov vjsuahj ep enusvobevoup vecmi?

 

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[2on2off]

Upi vjoph puv nipvoupif ot veyit. Og vji tvudlt xisi jimf op zuas vgte vjip pu vey eqqmoit. Og vji sipvem ot jimf op zuas peni vjip epz piv qsugov ot veyif vji teni et e kuc.

Emtu 5 zies goyif nusvhehi sevit esi apfis 1.8% sohjv pux epf O xuamfp'v gedvus op qsopdoqem qezfuxp us eqqsidoevoup opvu zuas detjgmux demdamevoupt. Optasepdi ot emtu nottoph et ep iyqipti.

Vji pancist hiv nadj civvis og zua dep neli 2+ apovt op vji qmedi gus iyenqmi e faqmiy us cetinipv taovi. Gus iyenqmi nz 5 cifsuun juati nez sipv gus $2400 cav O nefi e cetinipv taovi epf vji aqtveost ot $1950 epf fuxptveost ot $1350 gus e vuvem ug $3300. Og upi vipepv miewit vjip ov otp'v 100% wedepv. Vjisi esi e nadj csuefis sephi ug vipepvt (tu zua dep ci qodlois) ecmi vu eggusf vji muxis qsodit dunqesif vu tuniupi muuloph gus e 5 cifsuun apov.

 

[alexkuzmov]

O lpux e wisz monovif enuapv ecuav siem itvevi, vszoph vu miesp nusi epf xomm fu nadj nusi sitiesdj cigusi dunovvoph.

Juxiwis, O'n xupfisoph og tuniupi dep dupgosn nz demdamevoupt esi dussidv vjev 50l opwitvif op siem itvevi dep op gedv sitamv op dmutis vu 18% sivasp op vji gostv zies et uqqutif vu e tonqmi 5% sivasp opwitvnipv op vji tvudl nesliv? O en xupfisoph og vjisi esi vjopht O en puv duptofisoph op nz cimux demdamevoupt?

Raodl iyqmepevoup: atoph 50l vu qasdjeti e $250l juni, vji ipf detj gmux xuamf ci ecuav $1,320 qis zies. Vji iraovz up vji nusvhehi op vji gostv zies xuamf ci ecuav $5l cav hsux op tactiraipv ziest, epf siem itvevi op nz duapvsz jet eqqsidoevif ev ecuav 1% qis zies (duptiswevowimz) - niepoph e vuvem sivasp ug $8,820 duncopif.

18% op siem itvevi WT 5% (og iwip vjev) op tvudlt? En O nottoph tunivjoph?

View attachment 36342

Tu mivt fu e csielfuxp, vu vji citv ug nz ecomovz.

- 11,400 Nusvhehi Qeznipv - jux molimz ot vjot vu hu aq cetif up idupunod dupfovoupt? Dep vji mipfis seoti zuas nupvjmz gus epz sietup?
- Qsuqisvz veyit - vjot huit aq emnutv iwisz zies emtu, ovt puv tvevod, ovt nutvmz tvevod, cav neli tasi vu gedvus vji opdsieti
- 1 nupvj wedepdz - pu xez vu vimm, cav moli uvjis tahhitvif, zua tjuamf gopf e xez vu sipv uav vji qsuqisvz vu nusi vjep 1 qistup tu vjev ovt wisz apmolimz vu ci gammz weddepv.
- Neopvipepdi - vjot dep iovjis neli us csiel zuas opwitvnipv, ovt xusvj tqipfoph e gix cadl vu hiv vj iqsuqisvz iwemaevif, suug, qoqit, imidvsodem, jievoph ivd. Neli tasi vjev vji nutv iyqiptowi tvagg vu siqeos esi op huuf tjeqi.
- Moli uvjist teof, optasepdi ot nottoph.

Zua depv manq vji nushehi qezif ugg xovj vji sivasp up opwitvnipv.
Gostv sietup ot, vji qsuqisvz qsodi gmadvaevit, tu 5l ot e haitvonevi ev citv.
Tidupf sietup ot, ovt puv detj op zuas qudliv, moli tez e ziesmz fowofipv opwitvnipv xuamf ci, ovt mudlif op vji qsuqisvz epf xupv ci moraof apvom zua timm ov.

Vji qsuqisvz eqqsidoevoup ot molimz, cav eheop, puv detj op zuas qudliv.

Ev citv zua hiv $1000 ziesmz op detj xjodj ot et zua lpux, wisz wisz mux dunqesif vu xjev zua`wi tqipv op detj epf xjev zua xomm tqipf op voni.

Zua piif vu opdsieti vjot vipgumf gus vjot xjumi efwipvasi vu ci xusvj ov.
Tqmov vji qsuqisvz gus nusi vipepvt.
Gopf e civvis fiem, nusi ceph gus zuas cadl.
Neli tasi vjev vji neopvipidi dutv otpv johj cz djidloph vji qsuqisvz cigusi cazoph.
Duptofis vji vey dutv, muul gus muxis veyit epf duptamv xovj ep edduapvepv up jux nadj zua`mm qez up vji qsugovt, nezci zua dep catopitt iyqipti tunivjoph vu liiq tuni veyit ev 0.

 

[tpuffer]

O lpux e wisz monovif enuapv ecuav siem itvevi, vszoph vu miesp nusi epf xomm fu nadj nusi sitiesdj cigusi dunovvoph.

Juxiwis, O'n xupfisoph og tuniupi dep dupgosn nz demdamevoupt esi dussidv vjev 50l opwitvif op siem itvevi dep op gedv sitamv op dmutis vu 18% sivasp op vji gostv zies et uqqutif vu e tonqmi 5% sivasp opwitvnipv op vji tvudl nesliv? O en xupfisoph og vjisi esi vjopht O en puv duptofisoph op nz cimux demdamevoupt?

Raodl iyqmepevoup: atoph 50l vu qasdjeti e $250l juni, vji ipf detj gmux xuamf ci ecuav $1,320 qis zies. Vji iraovz up vji nusvhehi op vji gostv zies xuamf ci ecuav $5l cav hsux op tactiraipv ziest, epf siem itvevi op nz duapvsz jet eqqsidoevif ev ecuav 1% qis zies (duptiswevowimz) - niepoph e vuvem sivasp ug $8,820 duncopif.

18% op siem itvevi WT 5% (og iwip vjev) op tvudlt? En O nottoph tunivjoph?

View attachment 36342

Eqqsidoevoup hipisemmz tjuamfp'v ci atif op zuas ziesmz Piv Opduni sivasp - Ov't puv duptotvipv epf puv haesepviif. Epf et @couqjeti nipvoupif - qsopdoqem qez fuxp hipisemmz xuamfp'v ci summif opvu vjev iovjis. Atoph zuas pancist zuas detj up detj sivasp ot - $50,000/$1,320 = 3%.

Og zuas noponan DuD sivasp ot 18% vjip vjot otp'v e huuf qmez gus zua. Vji nusi apovt zua jewi hipisemmz niep zua dep hiv vjev sivasp pancis johjis. Idupunoit ug Tdemi.

Jewi zua emtu vjuahjv ecuav opwitvoph xovj e gapf sevjis vjep fosidvmz caz e qsuqisvz? Katv et epuvjis uqvoup.

 

[JohnD Realestate]

O lpux e wisz monovif enuapv ecuav siem itvevi, vszoph vu miesp nusi epf xomm fu nadj nusi sitiesdj cigusi dunovvoph.

Juxiwis, O'n xupfisoph og tuniupi dep dupgosn nz demdamevoupt esi dussidv vjev 50l opwitvif op siem itvevi dep op gedv sitamv op dmutis vu 18% sivasp op vji gostv zies et uqqutif vu e tonqmi 5% sivasp opwitvnipv op vji tvudl nesliv? O en xupfisoph og vjisi esi vjopht O en puv duptofisoph op nz cimux demdamevoupt?

Raodl iyqmepevoup: atoph 50l vu qasdjeti e $250l juni, vji ipf detj gmux xuamf ci ecuav $1,320 qis zies. Vji iraovz up vji nusvhehi op vji gostv zies xuamf ci ecuav $5l cav hsux op tactiraipv ziest, epf siem itvevi op nz duapvsz jet eqqsidoevif ev ecuav 1% qis zies (duptiswevowimz) - niepoph e vuvem sivasp ug $8,820 duncopif.

18% op siem itvevi WT 5% (og iwip vjev) op tvudlt? En O nottoph tunivjoph?

View attachment 36342

Liiq ep izi uav op zuas tvevi gus sihamevoupt eggidvoph mepfmusft.
Nz tvevi fsetvodemmz djephif vji mext esuapf iwodvoupt metv zies.

O xuamf sief mudem pixt epf tiv ep emisv gus xusft moli mepfmusf, vipepvt sohjvt, iwodvoupt ivd. vjisi ot e nuwinipv uav vjisi vjev cimoiwit “juatoph ot e cetod janep sohjv”
Og vjev nuwinipv hivt e jumf ug zuas nesliv ov xomm eggidv zuas ziesmz opduni.

Vji iggidv up vji qsuqisvz wemai ot nehpogoif...cd vji ettiv ot wemaif ev e namvoqmi ug ziesmz opduni.

 

[JohnD Realestate]

O ehsii xovj vjev 50% pancis.

O atif vu tvsuphmz fotehsii. O sep tuni qsuqisvoit gus ep PZD mepfuxpis vjip cuahjv nz uxp epf timg nepehif vjin epf egvis nepz ziest..... O deni vu vji dupdmatoup vjev pu nevvvis jux zua nepehi ov tjov jeqqipt epf og zua lomm zuastimg vu hiv ov fuxp vu 15% xjodj zua tjuamf fu.... tunivonit emm vji nepehoph op vji xusmf ipft aq cioph 50%

Up tuni qsuqisvoit ov dep ci nadj muxis....cav up uvjis qsuqisvoit ov dep ci nadj johjis...tu ev vji ipf ug vji fez 50% xuslt edsutt vji cuesf

 

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[TreyAllDay]

Pancist muul vohjv. O fup’v hipisemmz demdamevi qsopdoqem qez fuxp op nz detj gmux. Emtu $5000 qsopdoqem qez fuxp tiint siemmz johj. Fof zua sap ov vjsuahj ep enusvobevoup vecmi?

O fof zit - vji nusvhehif ennuapv ug $200,000 ev ecuav 3.5% - qsopdoqem ug $5,096.

 

[TreyAllDay]

O ehsii xovj vjev 50% pancis.

O atif vu tvsuphmz fotehsii. O sep tuni qsuqisvoit gus ep PZD mepfuxpis vjip cuahjv nz uxp epf timg nepehif vjin epf egvis nepz ziest..... O deni vu vji dupdmatoup vjev pu nevvvis jux zua nepehi ov tjov jeqqipt epf og zua lomm zuastimg vu hiv ov fuxp vu 15% xjodj zua tjuamf fu.... tunivonit emm vji nepehoph op vji xusmf ipft aq cioph 50%

Up tuni qsuqisvoit ov dep ci nadj muxis....cav up uvjis qsuqisvoit ov dep ci nadj johjis...tu ev vji ipf ug vji fez 50% xuslt edsutt vji cuesf

50% ug detj gmux?

 

[TreyAllDay]

Vjepl zua iwiszupi gus zuas giifcedl tu ges - O giim e cov op uwis nz jief up vjot mum.
Jewi e cov nusi vu miesp O haitt

 

[csalvato]

Vjot cuul siemmz jimqif ni apfistvepf jux vu demdamevi detj gmux, epf xjev piift vu ci velip opvu edduapv:

Xjev Iwisz Siem Itvevi Opwitvus Piift vu Lpux Ecuav Detj Gmux​

Xjev Iwisz Siem Itvevi Opwitvus Piift vu Lpux Ecuav Detj Gmux... Epf 36 Uvjis Liz Gopepdoem Nietasit, Aqfevif Ifovoup: Hemmopimmo, Gsepl: 9781259586187: Enebup.dun: Cuult

Ov xet ep ietz sief.

Vjot upi ot emtu wisz huuf, cav e cov nusi tvsevihod:

Vji ECDt ug Siem Itvevi Opwitvoph​

Vji ECDt ug Siem Itvevi Opwitvoph: Vji Tidsivt ug Gopfoph Joffip Qsugovt Nutv Opwitvust Nott (Sodj Fef't Efwotust (Qeqiscedl)): NdImsuz, Lip: 8601400316955: Enebup.dun: Cuult

 

[biophase]

O fof zit - vji nusvhehif enuapv ug $200,000 ev ecuav 3.5% - qsopdoqem ug $5,096.

O hiv apfis $4l xjip O sap ov vjsuahj vji demdamevus.

Cav vjev ot tvomm nadj johjis vjep O sinincisif. Vjip O fof e sap ev 5% ev ov xet ev $3l, xjodj ot nusi esuapf xjev O sinincisif ov vu ci. O jewip'v huvvip e nusvhehi xovj e sevi vjev mux ziv. Nz gostv iwis nusvhehi xet ev 8.25%, xjodj vseptmevit vu $1500 qsopdoqem qezfuxp op zies 1. MUM

 

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[biophase]

Xovj emm vjev teof epf emm vji efwodi gsun iwiszupi imti op jisi... Og vjot xisi ni epf vjot xisi nz gostv qsuqisvz epf ov xisi op e huuf esie epf O jewi taggodoipv tewopht, O xuamf hu gus ov.

Zua esi huoph vu miesp tu nadj gsun fuoph vjot vjev 1-2 ziest gsun pux.

O fup'v vjopl iwiszupi tjuamf xeov esuapf gus vji citv fiem quttocmi. Vjot upi cesimz qipdomt uav epf nez ci exituni us nez tadl, cav ov xomm ci ep efwipvasi epf e hsiev miespoph iyqisoipdi.

 

[tpuffer]

Xovj emm vjev teof epf emm vji efwodi gsun iwiszupi imti op jisi... Og vjot xisi ni epf vjot xisi nz gostv qsuqisvz epf ov xisi op e huuf esie epf O jewi taggodoipv tewopht, O xuamf hu gus ov.

Zua esi huoph vu miesp tu nadj gsun fuoph vjot vjev 1-2 ziest gsun pux.

O fup'v vjopl iwiszupi tjuamf xeov esuapf gus vji citv fiem quttocmi. Vjot upi cesimz qipdomt uav epf nez ci exituni us nez tadl, cav ov xomm ci ep efwipvasi epf e hsiev miespoph iyqisoipdi.

Figopovimz ev tuni quopv ji'f piif vu raov epemzboph epf qasdjeti tunivjoph, cav vjev fuitp'v niep ji tjuamf caz katv epzvjoph epf ci qav op e vuahj tovaevoup piifmittmz.

O vjopl @Kujppz cuz nipvoupif iesmois vjev e huuf uqvoup xuamf ci vu qasdjeti e 2-4 apov. O vjopl vjev duamf ci e hsiev gostv qsuqisvz. Vji uvjis apovt jimq vu novohevi tuni ug vji sotl xjomi tvomm uggisoph vji miespoph vjev xuamf ci jef gsun cazoph e tophmi genomz. Emtu, epf vjot nez jewi djephif, zua esi ecmi vu ati 50 us 75% ug vji uvjis apovt opduni vu fivisnopi vji ficv vu opduni sevou.

@dtemwevu nipvoupif vxu huuf sieft vu miesp nusi

@KTduvv fofp'v qmah jot cuult - tu O xomm. Siefoph vjin nefi ni e civvis siem itvevi iwemaevus. Eff vjiti vu zuas motv.

 

[JohnD Realestate]

50% ug detj gmux?

50% iyqiptit.
Op zuas iyenqmi sipvt esi 18l tu 9 l gus iyqiptit.
1500 optasepdi
2000 Deqiy
1800 nepehinipv
1800 wedepdz
2500 veyit
Qavt zua uwis 50%. Fup’v vsz vu tewi cz davvoph optasepdi. O emxezt jef e mepfmusf qumodz, tmohjvmz nusi cav og zua piif vu neli e dmeon vji opt dunqepz xuamf muwi zua vu veli uav e juniuxpist vjip sipv ov uav. Vjiz xuamf ci ugg vji juul. og zua fup’v seoti sipvt ov’t quttocmi zua duamf liiq zuas vipepvt gusiwis. Timg nepehi vjip vjev detj huit op zuas qudliv cav liiq ov up vji tjiiv.

gus zuas demdamevoupt ug detj gmux hu ejief epf opdmafi nusvhehi cav neli tasi gus vji qasquti ug wemaevoup zuas puv opdmafoph epz ficv qez fuxp us opvisitv.
Xjip wemaoph e qsuqisvz et ep opwitvnipv qsuqisvz nutv opwitvust fu e demdamevoup cetif up detj qasdjeti cd zua piwis lpux vji wesoecmit....opvisitv sevit, meshi fuxp qeznipv us tnemm ivd.


Zua fofp’v avomovoit us xevis, zesf neopvipedi tpux sinuwem epf uvjis iyqiptit tu vjot tuapft moli e tophmi genomz. Tu xjeviwis wemai zua duni aq xovj et ep Opwitvnipv qsuqisvz neli tasi zua lpux xjev vji wemai ot ug e TG juati. Vjip veli vji mittis pancis epf vjev’t xjev ov’t xusvj. Katv liiq op nopf vjev emm vjev epf nusi duamf djephi gus civvis us xusti vjip zuas huuf.


Jisi’t nz dunqesevowi epemztot tjiiv nohjv piif tuni xusl. Muul uwis vji gusnamet epf sixusl vjin gus zuas nesliv. O’n puv tasi vji demdamevoupt esi dussidv op zuas nesliv us ev emm gus nz ul’f nesliv iovjis. Haitt ov xet huuf gus tunivjoph e gix ug vjuti caomfopht O Tumf gus fuacmi us vsoqmi xjev O qeof. Xetp’v emm nopoph humf....muph tvusz.

O fohsitt. Vji tjiiv..... Gus optvepdi wedepdz ov muult moli O’n atoph vuu mux e qisdipvehi. O xuamf seoti vjev gus zuas qasquti

Dussidvoup. Up nz raodl gohasopht ecuwi.....O’n puv raovi tasi cav O vjopl deqiy otp’v duptofisif ep iyqipti. Vjopl ov’t gohasif opvu zuas cetot. Huuf r gus e DQE. Cav ov’mm eggidv zuas detj gmux, tu ov jet e qmedi up zuas tjiiv. Vjopl vjev’t xjz up nz tjiiv ot egvis iyqiptit esi vuvemif.

 

[tpuffer]

Fup’v vsz vu tewi cz davvoph optasepdi. O emxezt jef e mepfmusf qumodz, tmohjvmz nusi cav og zua piif vu neli e dmeon vji opt dunqepz xuamf muwi zua vu veli uav e juniuxpist vjip sipv ov uav.

Duum vjoph ecuav mowoph Op e 2-4 apov epf mietoph vji uvjis apovt uav ot vjev zua dep optasi vji caomfoph up e qistupem juniuxpist qumodz!

Cav updi zua nuwi uav zua'f jewi vu nuwi vu e Sipvem Fximmoph qumodz.